I want the lapband and my policy reads " excludes surgical and non surgical treatment of obesity" but I am morbidly obese.. do I have a chance of beating this exclusion?

Sounds doubtful to me - but why not ask them directly? Or see if you can get the lapband as treatment for a co-morbidity rather than for obesity....just a thought.

Sounds doubtful to me - but why not ask them directly? Or see if you can get the lapband as treatment for a co-morbidity rather than for obesity....just a thought.

thanks sagetracey, I did call the insurance company that said its a case by case basis. if that is the case why have the exclusion?

Insurance companies are focused on their "bottom line", and in general want to save as much as they can. Perhaps with reading your benefits, some people who read that the WLS was excluded would never inquire about it. I'm glad you did!

When you "state your case" to UHC, be certain to emphasize any co-morbidities you may have or develop over time as a result of your weight, and the fact that the company will save money with fewer illnesses and medications that you are likely to need if you weigh less over time.

Be persistent...they want you to give up and go away! Look out for you and your own best interests!

Good Luck!!